Yes, most BNPL providers charge a commission or service fee, usually between 2%–5% per transaction.
As consumer expectations evolve, so does the retail landscape. One of the most transformative trends gaining traction is Buy Now, Pay Later (BNPL)—a flexible payment option that lets customers purchase products immediately and pay over time in installments. But how can retailers effectively integrate BNPL at the point of sale?
Enter the modern POS billing machine powered by smart easy billing software. With the right POS system, retailers can offer BNPL options seamlessly at checkout—both online and in-store—enhancing customer satisfaction and boosting sales conversions.
At Posytude, we help retail businesses adapt to this growing demand by offering POS systems designed to support BNPL integrations with minimal friction. Here’s how it works and why it matters.
BNPL services allow customers to split purchases into multiple interest-free payments or low-interest plans. Instead of paying the full amount upfront, they can:
Pay a small initial deposit
Split the balance into 3–12 equal installments
Pay over weeks or months depending on the provider
Examples of popular BNPL providers include Afterpay, Klarna, ZestMoney, Simpl, and LazyPay.
When integrated with a POS billing machine:
BNPL appears as a payment option during checkout
The customer chooses a BNPL provider
A verification link is sent via SMS, email, or QR code
Once approved, the transaction is completed, and the store receives the full amount upfront from the BNPL provider
Your easy billing software handles the backend processing, syncing customer info, billing data, and approval status in real time.
Higher Sales Conversions
Customers are more likely to purchase when they can spread payments over time.
Bigger Average Order Values
BNPL users tend to spend more than cash or debit card customers.
Instant Payouts
Retailers receive full payment immediately, while the BNPL provider collects installments from the customer.
Competitive Edge
Offering BNPL sets your business apart from competitors that only offer traditional payment options.
Modern POS billing machines and easy billing software from providers like Posytude offer:
Native integrations with BNPL APIs (Simpl, LazyPay, etc.)
QR code generation for app-based BNPL apps
Checkout screen modifications to include BNPL options
Real-time installment calculation and display
Example: At checkout, a customer sees: “Pay ₹2,000 now or ₹500/month x 4 via BNPL.” They scan the code, complete verification, and walk away with the product.
POS-integrated BNPL options include built-in eligibility checks such as:
PAN or Aadhaar verification
Mobile OTP-based approvals
Soft credit checks (non-intrusive)
A customer entering their phone number on the POS screen receives an OTP to verify and activate the installment plan in under 2 minutes.
Retailers can offer BNPL both:
In-store through the POS billing machine
Online via eCommerce platforms like Shopify or WooCommerce (linked to the same system)
Seamless experience across channels ensures customer trust and convenience.
The easy billing software automatically tracks:
BNPL transactions separately
Fees charged by providers
Settlement timelines
Outstanding installments (for follow-ups if needed)
Daily dashboards show: “Today’s BNPL Sales: ₹35,000 | Commission Paid: ₹1,400”
POS-integrated BNPL ensures:
Auto-notification to the BNPL provider in case of refunds
Reversal of installment plans
Customer receives full/partial refunds without confusion
The system adjusts the balance and updates the customer’s BNPL status automatically.
Easy billing software can send:
BNPL receipts via SMS or WhatsApp
Payment schedule reminders
Customer support links in case of issues
A message like “You’ve chosen BNPL via Simpl. Your payment is ₹750/month for 4 months. Need help? Click here.” enhances transparency.
As BNPL is a financial service, your POS billing machine and software must:
Store customer data securely
Encrypt payment details
Comply with RBI and data protection regulations (DPDP Act)
Choose a provider like Posytude that stays ahead of compliance changes.
Posytude: We offer a user-friendly POS system that is ideal for small businesses and startups. It features a simple interface, robust payment processing options, and basic inventory management tools. We are a popular choice for restaurants and food service businesses. We offer advanced features such as table management, customizable menus, and integration with kitchen display systems.
Posytude provides a versatile POS solution suitable for various industries. We’re offering a range of hardware options, customizable software features, and seamless integration with third-party apps and services. Contact Us to schedule a call or call us at 8882822295.
Yes! Many modern POS systems offer multi-channel BNPL support through unified software platforms.
Absolutely. The BNPL provider pays you upfront, and they collect from the customer over time.
Yes, most BNPL providers charge a commission or service fee, usually between 2%–5% per transaction.
That’s the BNPL provider’s responsibility. Your business is not liable for customer defaults.